Mostly chargebacks are for actual fraudulent use of the card, and the process also includes getting a new card number.

Lately, most chargebacks I’ve done have actually been issued by the card itself after they detected suspicious activity and sent me a text alert asking about specific charges.

In one case, it was a debit card which I had received in the mail, activated, and never used and had never left the house. That one was particularly bizarre and I let them know something was very wrong there.